It is actually much harder to figure out which retailers actually accept Apple Pay than you might think.

On August 17, 2016, Chick-fil-A Inc. tweeted that Apple Pay would be available at its popular sandwich restaurants on August 19, 2016. Yet on August 20, 2016, Chick-fil-A was listed in the coming soon section on the official Apple Pay website. The fast-food outlet has apparently been there for some time.

Judging by this discrepancy the only way to know if Chick-fil-A actually takes the payment app is to go to the restaurant and order a sandwich. Apple (NASDAQ: AAPL) is doing a very poor job of communicating the latest developments with this solution to its fans.

The confusion is made worse by the Apple fan press. For example on August 17, 2016, MacRumors reported that Yum Brands’ (NYSE: YUM) subsidiary KFC; or Kentucky Fried Chicken, was accepting Apple Pay. Yet when I went to the Apple Pay website, KFC’s logo was nowhere to be seen; in the official list of brands that accept the payment solution. Nor did it appear in the coming soon section or in the Apps that accept Apple Pay.

One has to wonder if this level of confusion and the frustration it creates is preventing popular acceptance of Apple Pay. After all why should anybody use an App if they do not know where they can pay with it.

Retailers that Accept Apple Pay

In an attempt to clear up this confusion here is the official list of retailers that accept Apple Pay as of August 20, 2016:

Acme (supermarkets)

Aeropostale

American Eagle Outfitters

The Apple Store

B&H (electronic stores)

Babies R Us

Barney’s New York

Basha (supermarkets)

Best Buy

Bevmo! (liquor stores)

Bi Lo (supermarkets)

BJ’s (wholesale club)

Bloomingdales

Champ’s Sports Bar

Chevron Gas Stations

Coca-Cola Vending Machines

Crate & Barrel

Cub Foods

Dan’ Fresh Market

Davis Food & Drug

Dick’s Fresh Market

The Disney Store

Duane Reade (drugstores)

Dunkin’ Donuts

Express (clothing stores)

Extra Mile

Farm Fresh Food & Pharmacy

Firehouse Subs

FoodMaxx (supermarkets)

Footlocker

Footaction

Fuddruckers (hamburgers)

GameStop

Golden State Warriors (NBA franchise)

Harvey’s Supermarket

Hornbacher’s (supermarket0

House of Hoops by Footlocker (sporting goods)

Jamba Juice

Jersey Mike’ Subs

JetBlue (airline)

Jewel Osco (drugstores)

Kids Foot Locker

Kohl’s

Lady Foot Locker

The Lego Store

Levi’s stores

Lin’s Fresh Market

Luby’s (supermarket)

Lucky (supermarket)

Macey’s (supermarket)

Macy’s (department stores)

McDonald’s

Meijer (discount stores)

Office Depot

OfficeMax

Orlando Magic (NBA franchise)

Nike stores

Panera Bread

Peet’s Coffee

Petco

Pep Boys

Phoenix Suns (NBA franchise)

Raley’s (supermarket)

Rubio’s (Mexican restaurant)

Run by Footlocker

Save Mart Supermarkets

Schnuks (supermarket)

Sephora

Shaw’s (supermarket)

Shop n’ Save (supermarket)

Shopper’s (supermarket)

Six:02

Sports Authority (note this chain is going out of business)

Sprouts Farmers’ Market

Staples

Star Market (supermarket)

Stater Brothers Markets (supermarket)

Subway

Supervalu (supermarket)

Texaco (gas stations)

Toys R’ Us

Trader Joe’s

United Supermarkets

Unleashed by Petco

Walgreens

Walt Disney World

Wegmans (supermarket)

White Castle (hamburgers)

Whole Foods

Winn Dixie (supermarkets)

Now here’s the coming soon:

Albertson’s

Antropologie

Au Bon Pain (the bakery café)

Baskin Robbins

Big Lots! (discount store)

Carmike Cinemas

Chick-fil-A

Edition

El Pollo Loco (chicken)

Forever 21

Free People

JC Penney

Johnny Rockets (hamburgers)

L. Bean

Marriott (hotels)

Regal Cinemas

Renaissance Hotels

T-Mobile (phones)

Ulta Beauty

Urban Outfitters

It looks as if these lists might not be accurate, some of the brands on the coming soon list might be accepting Apple Pay. There might also be retailers that accept Apple Pay that do not appear on the list.

Nor does Apple Pay necessarily work even if it is available the Apple Pay website now contains these words: “If you’re having trouble using Apple Pay at a store displaying one of these symbols, let us know.”

So it sounds as if some consumers are having trouble using Apple Pay. Although it looks as if more retailers accept Apple Pay than Alphabet’s (NASDAQ: GOOG) Android Pay. Interestingly enough there are a few brands that accept Android Pay but not Apple Pay.

Retailers that Accept Android Pay

Here is the official list of retailers that accept Android Pay as of August 20, 2016:

Acme

Aeropostale

American Eagle Outfitters

ATT

Babies R’ Us

Bashas’

BJ’s Wholesale Club

Bloomingdales

Champ’s Sports Bar

Chevron gas stations

Coca-Cola (vending machines)

Davis Food & Drug

The Disney Store

Duane Reade by Walgreens

Express (clothing store)

FoodMaxx (supermarkets)

Footaction by Foot Locker

Fuddruckers

GameStop

The Golden State Warriors

House of Hoops by Footlocker

Jamba Juice

Jet Blue

Jewel-Osco (drug stores)

Kids Foot Locker

Lady Foot Locker

The Lego Store

Lin’s (supermarket)

Lucky (supermarket)

Macy’s (department stores)

McDonald’s

Meijer

Nike stores

Office Depot

The Orlando Magic

Panera Bread

Peet’s Coffee & Tea

PepBoys

Pepsi (vending machines)

Petco

The Phoenix Suns

Rubio’s

Save Mart Supermarkets

Shaw’s (supermarkets)

Star (supermarkets)

Six:02 (clothing)

Sport’s Authority

Sprouts Farmers Market

Staples

Subway

Texaco (gas stations)

The Fresh Market (supermarket)

T-Mobile

ToysRus

United Supermarkets

Unleashed by Petco

USA Technologies

Verizon

VG’s Fresh Market

Walgreens

Walt Disney World

Wegmans (supermarket)

Whole Foods

Winn Dixie

Alphabet does not list coming soon retailers for Android Pay.

As you can see the number of retailers that accept Android Pay and Apple Pay is quite limited. That fact is highlighted by the attention focused on a fast food outlier like Chick-Fil-A when it adopts Apple Pay.

Jet Accepts Android Pay but Not Apple Pay

Until the major national retailers get onboard, Apple Pay is just a niche product and something of a curiosity. One major resister of Android and Apple Pay has been Walmart (NYSE: WMT), although Jet; which was just bought out by Walmart, is now listed on the apps that take Android Pay but not those that take Apple Pay.

One has to wonder if Walmart or Walmart Pay will soon taking Android Pay now that it’s working with Jet. If Android Pay gets into Walmart; the world’s largest retailer, before Apple Pay that will be a major setback for Apple. Such a development might force Apple to revise its business plan for the payment solution.